environment is nothing to complain about. >> and what about the personal and commercial banking business, one of the biggest segments of what you guys do. what kind of demand trends are you seeing? >> well, again, there's clearly a slow down on the consumer side, but we're coming off, you know, double digit growth rates, and we're now moving into midsingle digit growth rates. part half is intended. our government has taken an approach to try to slow down consumer debt levels and it's having an impact which i say is a good thing. when you look at loan demand on the commercial side, it remains very strong. as i say, investment demand, deposit demand has been very good. so when you look at the overall platform, it grew at 7% this year -- or this past quarter over quarter, and so it's a slightly slower environment, but as i say not all that bad. >> i mean, we talk about the good quarter you just completed, but you've had a good year at rbc, but don't you feel like the easy money, to use that term, is done now? you guys are going to have to work a little harder to keep that growth rate going, don'